Accidental damage

Unfortunately accidents happen but thanks to our landlord insurance, accidental damage caused by tenants is covered as standard (subject to tenant type), meaning you won’t have to foot the bill for repairs.

Property Owners (Public) liability insurance

When you let out a property to tenants, you have a legal responsibility to make sure the property is safe and free from health hazards. This includes getting a registered engineer to do an annual gas safety check.

If a claim is made against you, our policy provides claims cover for up to £2million as standard, with the option to increase the limit to £5 million.

Why choose our cover?

You'll get the following benefits as standard:

Freephone 24/7 advice line

We're here to help with any legal, health & safety or other landlord-related issues when you need it most.

Accidental damage

Our cover includes accidental damage to your property whether it is caused by you or your tenants.

15% multi-property discount

Standard conditions and minimum premiums apply.

UK-based call centres

Our friendly sales, service and claims teams are always happy to assist you.

We're 5* Defaqto Rated

Our 5* Defaqto Rated cover means that whether you’re a buy-to-let or full-time landlord, you can be sure you’ve got the right cover to help protect your investment.

Landlord insurance from £11 a month

With interest-free monthly payments. Based on 10% of new customers. MORE TH>N data September 17 – March 18.

What is landlord insurance?

Why do I need it?

Whether you’re renting out your own home or have a property portfolio, you want your rental property to look after itself. That's why we take the worry out of being a landlord with our comprehensive landlord insurance. From rent guarantee and alternative accommodation for your tenants, to protection from fire or theft, we’ve got your investment covered.

Ordinary home insurance covers just buildings and contents which is often insufficient with some lenders even insisting that you have more comprehensive cover in place. That’s where landlord home insurance comes in, having been specifically designed to ensure your rental property is properly protected.

Our simple landlord home insurance covers you for the main risks you could encounter as a landlord of a property. You can also tailor your policy to get the right level of cover for your needs by adding optional extras such as contents insurance if your property is furnished.

Add cover to suit your needs

Tailor-make your policy with these optional extras:

Landlord contents insurance

If you are letting your property out furnished, you can add contents insurance to your policy to protect any items in the property that you have provided for use by your tenants i.e white goods and furniture.

Contents cover upgrade up to £5,000, £10,000, £25,000 or £50,000.

Rent guarantee insurance

If your property is damaged and your tenants are unable to live there while repairs are being made, we'll cover any loss of rental income as well as alternative accomodation for your tenants giving you peace of mind during a potentially stressful time.

Home emergency insurance

If you or your tenants discover a water leak or your property is broken into, we'll send one of our authorised tradespeople to stop the leak or make your home safe and secure. Add Home Emergency to your policy and we’ll pay up to £1,000 to cover the cost.

Home Emergency upgrade cover for just £50 including boiler breakdown. Excludes boilers over 15 years old. Boiler must be serviced annually. Must use a MORE TH>N authorised tradesperson.

Landlord insurance from £11 a month

With interest-free monthly payments. Based on 10% of new customers. MORE TH>N data September 17 – March 18.

About Us

MORE TH>N is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

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